2007 Nissan Frontier Insurance Rates – 5 Ideas for Best Quotes

Did you fall for a flashy sales pitch and buy an overpriced auto insurance policy? Trust us when we tell you you’re not the only one.

Online insurance companies like GEICO, 21st Century and Progressive increase brand awareness with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

It’s a good idea to compare prices before your policy renews since insurance rates go up and down regularly. Just because you had the best price for Frontier coverage a few years ago a different company probably has better rates today. You’ll find quite a bit of inaccurate information about auto insurance on the internet, so by reading this article, you’re going to learn some good information on how to quit paying high auto insurance rates.

Save big with these five discounts

Auto insurance companies do not advertise all their discounts in an easy-to-find place, so here is a list both well-publicized as well as the least known insurance coverage savings.

  • Multi-policy Discount – When you combine your home and auto insurance with the same insurance company you will save 10% to 20% off each policy.
  • Service Members Pay Less – Having a family member in the military could be rewarded with lower premiums.
  • E-sign – A handful of insurance companies may give you up to $50 just for signing your application online.
  • Club Memberships – Affiliation with a qualifying organization could qualify you for a break when buying insurance coverage for Frontier coverage.
  • Life Insurance Discount – Some companies give lower rates if you buy auto and life insurance together.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So when the math indicates having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A partial list of companies that may offer these money-saving discounts may include but are not limited to:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not apply everywhere.

But I don’t know anything about car insurance

When buying the best insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s needs are different and your policy should reflect that. For example, these questions might help in determining if you could use an agent’s help.

  • Is pleasure use cheaper than using my 2007 Nissan Frontier to commute?
  • Is there coverage for injuries to my pets?
  • What if I owe more than I can insure my car for?
  • Why does it cost so much to insure a teen driver?
  • Does my car insurance cover rental cars?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Which is better, split liability limits or combined limits?
  • Is my custom paint covered by insurance?
  • Which companies will insure high-risk drivers?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Misconceptions in insurance advertisements

Companies like Progressive, GEICO, Allstate and State Farm constantly bombard you with television and radio advertisements. All the ads have a common claim about savings if you switch your policy. How does each company claim to save you money?

All the different companies can use profiling for the type of customer they prefer to insure. A good example of a profitable customer might be over the age of 40, is a homeowner, and drives less than 7,500 miles a year. A customer who matches those parameters is entitled to the best price and is almost guaranteed to save a lot of money.

Potential insureds who don’t qualify for the requirements will have to pay higher rates which usually ends up with the customer not buying. Company advertisements say “people who switch” not “everybody who quotes” save money. That’s why insurance companies can confidently claim big savings. Because of the profiling, drivers must compare as many rates as you can. It is impossible to predict which company will fit your personal profile best.

Information about specific coverages

Learning about specific coverages of a insurance policy can help you determine the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages offered by insurance companies.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a bird, rock chips in glass, vandalism and hitting a deer. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability car insurance

This coverage protects you from damage that occurs to other’s property or people. This insurance protects YOU from legal claims by others, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for things like loss of income, legal defense fees, pain and suffering, court costs and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision insurance

Collision coverage covers damage to your Frontier resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as driving through your garage door, hitting a parking meter and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2007 Nissan Frontier.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for bills like surgery, EMT expenses, nursing services, pain medications and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Don’t throw your cash in the trash

Cost effective 2007 Nissan Frontier insurance is possible both online and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and many times these small, regional companies only sell through independent insurance agents.

We’ve covered many tips how you can shop for insurance online. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. Drivers may discover the lowest rates come from the least-expected company. They may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

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